@article{beyondsemanticsimilarityatwophasenonpara,
  title = {Beyond Semantic Similarity: A Two-Phase Non-Parametric Retrieval Workflow for Corporate Credit Underwriting},
  author = {Linus Ng Junjia and Ezekiel Tee Kongquan and Kelvin Heng and Kenneth Zhu Ke and Zhao Jing Yuan},
  year = {2026},
  eprint = {2605.20684},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2605.20684},
}